Key features of cover

The key features of our trustees and professional liability include:

• separate limits for trustees liability, professional and legal liability, and employment practices liability
• cover for the public relations costs to contain a crisis
• cover for costs associated with a wide range of regulatory and employment proceedings
• cover for professional advice and services that your client offers
• cover for legal representation costs
• cover for breach of data protection legislation
• cover for fraud and dishonesty of £100,000 (higher limits may be available)
• cover for documentation replacement.

The key features of our property and business interruption include:

• bequeathed property – we automatically provide cover for property left to a charity by a supporter
• cover for computers
• fine art cover is available on an agreed value basis
• unauthorised use of gas, water and electricity by a third party
• contents at fundraising events such as prizes, auction lots, and hired in contents
• contents at homes of trustees, employees and volunteers
• fraud and dishonesty of employees and volunteers
• compensation if employees or volunteers are assaulted whilst collecting donations
• business interruption;
  • denial of access to a charity’s premises
  • bomb threat in the vicinity of a charity’s premises
  • damage at the premises of a supplier or customer
  • failure of public utilities
  • restrictions imposed by public utilities
  • restrictions imposed by public authorities
  • damage at an exhibition site or trade fair used by the charity for fundraising
• death or disgrace of a patron; we will cover the reprint costs for literature or website updating costs a charity incurs if their patron dies or is subject to criminal proceedings.

The key features of our public and products, and employers’ liability cover include:

• our definition of employee automatically includes a charity’s volunteers
• public liability for declared fundraising events, which extends to volunteers
• public liability extends to the overseas personal liability of your client’s trustees, employees and volunteers
• abuse – public liability can be extended to cover abuse and molestation
• limits of up to £10 million are available.